BDI
CB

Citizens Bank

Kilgore, TexasFDIC Cert #16817

STATEEstablished 194912 branches

Holding company: EAST TEXAS FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.12%
+1,062.1%y/y
Peer standing79th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.03%
−35.0%y/y
Peer standing82nd percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.03%
−35.0%y/y
Peer standing86th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.02%
−25.7%y/y
Peer standing86th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$101K
−24.6%y/y
Peer standing86th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.03%
+93.1%y/y
Peer standing93rd percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
−$26K
+92.2%y/y
Peer standing94th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.43%
+7.2%y/y
Percentile by value97th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$391K
+1,248.3%y/y
Peer standing78th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$101K
−24.6%y/y
Peer standing81st percentile
Peer standing in asset:300m_1b
FDICNAASSET